there are two economies right now. the unemployment rate for people that are over 25 that have a four-year college degree is just 3.8%. it went down from 4.1% to 3.8%. that's basically full employment. we have two economies in america right now. if you've got a four-year college degree the numbers say you can probably get a job. it may not be the job you want but you'll probably be employed. if you own a home you refi you have more money. right? the stock market is up because the fed is basically throwing all this money into it. so if you've got money and you've got assets, unfortunately, you're probably getting wealthier because of the fed. if you don't have a college degree the unemployment -- if you don't have a high school degree the unemployment rate is 12.2%. so what we're looking at here are people that are working are doing better because the fed has basically made everybody wealthier and lowered our costs. if you don't have a job or high school diploma it's very difficult. i think that is the bifurcated econom